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Credit 3D

A complete and innovative suite of consumer and business credit data, scores and models.

Through these smarter insights, our innovative Credit 3D suite means you can make the right decisions, at the right time, for the right consumer and business customers.

We combine our advanced analytics techniques and machine learning capabilities with data available to us through Open Banking and our core credit bureau to produce transformational insights into customer expenditure, habits and preference. In seconds, credit providers can make accurate and robust decisions to grow top-line revenues and reduce bottom-line costs across the customer credit lifecycle.

See how Credit 3D supports each stage of the credit lending lifecycle.

Find new customers

The key to finding the right customers is identifying new and underserved markets and customer segments. We have the insight and experience to help you create a full picture of your customer acquisition opportunities through pre-qualification, screen out customers who don’t match your risk profile and increase your customer satisfaction from the start of their journey with you.

Understand the market

Identify your target criteria

Create your audience

Perfect your messaging

Pre-qualify and quote

Pre-qualification

Our pre-qualification technology profiles consumers in seconds to match them with credit products that fit their needs and your criteria.

Report: Credit Invisibles - making the invisible visible

Want to know more? Talk to our expert team to find out how we can help.

Engage and convert new customers

Get to know your new customers and provide the best onboarding experience by making fast and accurate decisions. Our comprehensive traditional credit score, trended credit data and alternative data sets mean you get the most multi-dimensional and robust view of your customers eligibility and capacity to afford credit. In turn, you can help your customers select the best product for their needs based on their affordability, and you can responsibly assess risk and enhance your processes for intelligent and responsible decisions in near real-time.

BusinessIQ

Want to know more? Talk to our expert team to find out how we can help.

Enhanced customer management

Our smart insights cover 500 different data variables which we use to give you a rich, single view of your customers as well as a long term predictive view. With this insight, you’re able to manage your customers throughout their time with you, optimising your ability to highlight opportunities and risk based on individual affordability for consumer or business customers.

Want to know more? Talk to our expert team to find out how we can help.

Repayments and collections

By combining multiple data sources to get the richest understanding of an individuals’ or businesses’ borrowing and repayment behaviours, we can help you predict and tailor your collections process and preserve and protect your customer relationship.

Blog: Rising debt shows a need for lenders to act now to help consumers

Powered by Open Banking

Open Banking has provided an accessible gateway to transactional data for trusted companies, like us. Adding this data to our existing data sets and using our powerful analytics tools, we’re able to build a full picture of an individual or business so you have all of the information you need to make the right decisions for your business and your customer.

Want to know more?

Take a look at Affordability Check for account data categorisation and aggregation.

Open Banking plays a part in helping the lending industry become more inclusive.

It's estimated that a total of 8.3 million people in the UK have suffered from financial exclusion due to being ‘Credit Invisible’. Read on to find out how Open Banking has a role to play in making the lending industry more inclusive by providing more data points to base credit decisions upon.

java.lang.RuntimeException: Failed to get data //mckwcmpap01/internet/main/global_sites/UK/WORKAREA/Content/templatedata/GlobalForms/OpenGraph/data/sample
at com.interwoven.livesite.file.impl.CsFileDal.read(CsFileDal.java:183)
at com.interwoven.livesite.file.impl.CsFileDal.read(CsFileDal.java:149)
at com.interwoven.livesite.model.property.DCRProperty.fetchDCRXML(DCRProperty.java:329)
at com.interwoven.livesite.runtime.model.page.RuntimeComponent.buildComponentTransformData(RuntimeComponent.java:319)
at com.interwoven.livesite.runtime.model.page.RuntimeComponent.transform(RuntimeComponent.java:370)
at com.interwoven.livesite.runtime.model.page.RuntimeComponent.transform(RuntimeComponent.java:341)
at com.interwoven.livesite.runtime.page.PageTokenVariableComponent.transformComponent(PageTokenVariableComponent.java:315)
at com.interwoven.livesite.runtime.page.PageTokenVariableComponent.renderNoCache(PageTokenVariableComponent.java:221)
at com.interwoven.livesite.runtime.page.PageTokenVariableComponent.preRender(PageTokenVariableComponent.java:106)
at com.interwoven.livesite.runtime.page.PageTokenContainer.preRender(PageTokenContainer.java:260)
at com.interwoven.livesite.runtime.model.page.RuntimePage.transform(RuntimePage.java:421)
at com.interwoven.livesite.model.page.PreviewPage.getBaseTransform(PreviewPage.java:218)
at com.interwoven.livesite.model.page.PreviewPage.transform(PreviewPage.java:206)
at com.interwoven.livesite.iw.servlet.preview.rendering.IntermediateRenderingManager.doOutputPage(IntermediateRenderingManager.java:277)
at com.interwoven.livesite.runtime.rendering.RenderingManager.renderPageGoal(RenderingManager.java:386)
at com.interwoven.livesite.runtime.rendering.RenderingManager.render(RenderingManager.java:256)
at com.interwoven.livesite.iw.servlet.preview.generate.GenerateFilter.generatePage(GenerateFilter.java:132)
at com.interwoven.livesite.iw.servlet.preview.generate.GenerateFilter.doFilter(GenerateFilter.java:75)
at org.springframework.web.filter.DelegatingFilterProxy.invokeDelegate(DelegatingFilterProxy.java:346)
at org.springframework.web.filter.DelegatingFilterProxy.doFilter(DelegatingFilterProxy.java:259)
at io.undertow.servlet.core.ManagedFilter.doFilter(ManagedFilter.java:60)
at io.undertow.servlet.handlers.FilterHandler$FilterChainImpl.doFilter(FilterHandler.java:132)
at io.undertow.servlet.handlers.FilterHandler.handleRequest(FilterHandler.java:85)
at io.undertow.servlet.handlers.security.ServletSecurityRoleHandler.handleRequest(ServletSecurityRoleHandler.java:61)
at io.undertow.servlet.handlers.ServletDispatchingHandler.handleRequest(ServletDispatchingHandler.java:36)
at org.wildfly.extension.undertow.security.SecurityContextAssociationHandler.handleRequest(SecurityContextAssociationHandler.java:78)
at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43)
at io.undertow.servlet.handlers.security.SSLInformationAssociationHandler.handleRequest(SSLInformationAssociationHandler.java:131)
at io.undertow.servlet.handlers.security.ServletAuthenticationCallHandler.handleRequest(ServletAuthenticationCallHandler.java:56)
at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43)
at io.undertow.security.handlers.AbstractConfidentialityHandler.handleRequest(AbstractConfidentialityHandler.java:45)
at io.undertow.servlet.handlers.security.ServletConfidentialityConstraintHandler.handleRequest(ServletConfidentialityConstraintHandler.java:61)
at io.undertow.security.handlers.AuthenticationMechanismsHandler.handleRequest(AuthenticationMechanismsHandler.java:58)
at io.undertow.servlet.handlers.security.CachedAuthenticatedSessionHandler.handleRequest(CachedAuthenticatedSessionHandler.java:70)
at io.undertow.security.handlers.SecurityInitialHandler.handleRequest(SecurityInitialHandler.java:76)
at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43)
at org.wildfly.extension.undertow.security.jacc.JACCContextIdHandler.handleRequest(JACCContextIdHandler.java:61)
at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43)
at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43)
at io.undertow.servlet.handlers.ServletInitialHandler.handleFirstRequest(ServletInitialHandler.java:247)
at io.undertow.servlet.handlers.ServletInitialHandler.dispatchRequest(ServletInitialHandler.java:234)
at io.undertow.servlet.handlers.ServletInitialHandler.access$000(ServletInitialHandler.java:76)
at io.undertow.servlet.handlers.ServletInitialHandler$1.handleRequest(ServletInitialHandler.java:153)
at io.undertow.server.Connectors.executeRootHandler(Connectors.java:197)
at io.undertow.server.HttpServerExchange$1.run(HttpServerExchange.java:737)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1145)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:615)
at java.lang.Thread.run(Thread.java:745)
Caused by: java.lang.NullPointerException: Cannot read file: //mckwcmpap01/internet/main/global_sites/UK/WORKAREA/Content/templatedata/GlobalForms/OpenGraph/data/sample
at com.interwoven.livesite.file.impl.CsFileDal.read(CsFileDal.java:163)
... 47 more